Dan Schriver
$1,395,0004 bd3.5 ba4,722 sqft$295 /sqft$9,395 /mo all-in ↓

18 LOST CREEK LANE, ORMOND BEACH, FL, 32174

Active19 days on marketListed Jul 4, 2026MLS #NS1088650

Private poolFully furnishedSingle Family ResidenceLOST CREEK

About this home

18 LOST CREEK LANE

Nestled on over an acre at the end of a quiet cul-de-sac in the exclusive Lost Creek community, this extraordinary Tomoka River estate offers timeless elegance, exceptional privacy, and the waterfront lifestyle you've been dreaming of. Surrounded by majestic oaks and lush landscaping, the property features a covered dock complete with dual boat lifts and a jet ski lift, providing direct access to the scenic Tomoka River for boating, fishing, and unforgettable sunsets. Designed for both grand entertaining and everyday living, this custom residence showcases soaring ceilings, rich hardwood flooring, quality finishes, French doors, double-pane windows, and three inviting fireplaces throughout. The gourmet kitchen is beautifully appointed with granite countertops, quality custom cabinetry, a gas range, center island with prep sink, and generous workspace that flows seamlessly into the spacious family room. The luxurious first-floor primary retreat is a private sanctuary featuring its own sitting area, fireplace, an expansive spa-inspired bath with a clawfoot soaking tub, oversized walk-in shower, dual vanities, private water closet, direct access to the pool and spa, and an impressive custom walk-in closet. A dramatic living room with 18-foot ceilings captures breathtaking views of the pool and backyard through oversized windows and French doors, while the formal dining room provides the perfect setting for hosting family gatherings and special occasions. Just off the grand foyer, a private office/library offers an elegant workspace highlighted by a stunning curved staircase. Upstairs, three spacious guest bedrooms provide exceptional comfort, including one private en suite and two bedrooms connected by a Jack-and-Jill bath, with one featuring an additional playroom or flex space. Every bedroom includes a walk-in closet. Adding incredible versatility, the approximately 1,000-square-foot media/game room features a private entrance and screened porch overlooking the pool, making it ideal as an in-law suite, guest retreat, home theater, fitness studio, or recreation space. Outdoor living is equally impressive with a resort-style pool and spa overlooking the tranquil riverfront setting, creating the perfect backdrop for entertaining or peaceful relaxation. Additional highlights include a four-car garage, new interior paint in almost all the rooms, 2013 roof, three energy-efficient HVAC systems installed in 2015, propane gas service, and a transferable termite bond. This is a rare opportunity to own a private waterfront estate where luxury, craftsmanship, and the natural beauty of the Tomoka River come together in one remarkable property.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

4,722

Sqft

1.53 ac

Lot size

4

Garage

1992

Year built

Two

Levels

$295

Per sqft

Private poolFireplaceTrees/Woods & Water viewFurnishedPets allowed

Inside

FlooringBrick/Stone · Carpet · Ceramic Tile
AppliancesMicrowave · Range · Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofShingle
ConstructionBlock · Brick
FoundationSlab
ViewTrees/Woods · Water
FacesSouthwest
ExteriorFrench Doors · Irrigation System · Outdoor Grill · Outdoor Kitchen · Outdoor Shower

Community & fees

Taxes (2025)$14,216/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Natural Gas Connected · Public
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$9,395 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,527
PMI (est., until 20% equity)$523
Property tax — 2025 actual bill$1,185
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $139,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $139,500
Interest rate6.00%
Loan term

Estimated payment

$9,395/mo

Principal & interest$7,527
PMI (est., until 20% equity)$523
Property taxes (actual bill)$1,185
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside Ormond Beach

Map of 18 LOST CREEK LANE

Drive times from this address

Downtown Orlando70 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Ormond Beach. See the full Ormond Beach guide →

ORMOND BEACH 32174 — neighborhood snapshot

Population

53,087

Median age

56.3

Median income

$67,817

Median home value

$315,100

Avg household

2.19

Households w/ children

4,692

For the school run

Volusia County School District

ElementaryPathways Elementary School★★★★★
MiddleDavid C. Hinson Senior Middle School★★★★★
HighMainland High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Ormond Beach market

Seller’s marketBalanced6.4 months of inventoryBuyer’s market

$390K$415K

Ormond Beach median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

Median sold price, Ormond Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 249% above the ORMOND BEACH 32174 median. See the full Ormond Beach market guide →

Paper trail

This home's history

Jul 4, 2026Listed at $1,395,000 · 19 days on market since
1992Built · LOST CREEK

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Dan Schriver

Your agent

Dan Schriver

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 18 LOST CREEK LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 18 LOST CREEK LANE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Dan's phone and CRM.

Goes straight to Dan’s phone and CRM.

Straight answers

18 LOST CREEK LANE FAQs

What would the monthly payment be for 18 LOST CREEK LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,395/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 18 LOST CREEK LANE?+

The most recent tax bill on record (2025) was $14,216. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 18 LOST CREEK LANE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Ormond Beach?+

At $1,395,000, this home is listed about 228% above the Ormond Beach median of $425,495. The market section on this page shows how the area is trending.

Which schools are assigned to 18 LOST CREEK LANE?+

Pathways Elementary School (elementary), David C. Hinson Senior Middle School (middle), Mainland High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of LOCAL LIVING REALTY GROUP · Candace Cecil. MLS #NS1088650.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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